When the credit card of China Merchants Bank expires, how long will it take to issue a new card?

1. How long will it take for China Merchants Bank's credit card to expire?

When the validity period of a credit card is about to expire, China Merchants Bank will generally send a card change notification message to the cardholder and issue a new card to the cardholder on its own initiative without going through any formalities. If the old card type has stopped issuing, another card type will be issued after the expiration. The cardholder of the main card should log in to the online bank to choose a replacement card or cancel sending a new card according to the instructions of China Merchants Bank via SMS or email.

Second, credit cards.

Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

Third, the repayment method of credit card

1, the issuing bank repays.

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

POS mobile phone of Weizhong Bank is a personal payment terminal of mobile financial system, which can be used for credit card direct repayment, transfer and other services, and can be received immediately.

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

5. Payment by Xinfutong

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.